Matthew Matz at Prosperity Home Mortgage

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Wilmington, DE
Matthew Matz at Prosperity Home Mortgage

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I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #144570
PHM, LLC NMLSR #75164 NMLS Consumer Access @ www.nmlsconsumeraccess.org/

Prosperity Home Mortgage, LLC, a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, construction loans and renovation financing. Our company is represented by more than 500 mortgage consultants throughout 47 jurisdictions including: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. NMLS ID #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Not all borrowers will qualify.

11/09/2026

Rates have come a long way since 2020—and so has the conversation around them. 🏡

According to Freddie Mac, the average 30-year fixed rate was 7.24% as of October 29, down from 7.32% the week before and below its 2023 peak of 7.79%.

Those numbers tell part of the story. On the ground, buyers and sellers are both moving carefully. With more homes to choose from and some sellers adjusting prices, there may be more room to negotiate, including seller concessions that help with closing costs or a buydown.

That's where the right team matters. Your real estate agent knows the local market and how to structure a strong offer. We can show you what each option means for your monthly payment, so you can move forward with confidence.

Let's look at your numbers and the options that fit your goals.

*A buydown may not be the best option for all borrowers. Contact your mortgage consultant to determine the right option for you.

11/04/2026

With Thanksgiving right around the corner, it’s time for a little kitchen wish-list debate! 🦃🍂

Would you rather have a double oven for juggling all those holiday dishes 🍗🥧 or an oversize fridge for keeping everything stocked (and making room for the leftovers)? 🧊🥡

Both sound pretty tempting this time of year! 😍

Swipe through and tell us👇

11/03/2026

🏡 Terminology Tuesday: Mortgage Servicing!

The mortgage journey doesn't end at closing! 🔑

💡 Mortgage servicing is what happens after you get the keys, from processing monthly payments to managing escrow accounts and providing ongoing support.

At Prosperity Home Mortgage, our commitment to homeowners goes beyond closing day. 💙

Relentless in Service. Relentless in Servicing, too.

11/02/2026

Affordability looks different in every market—and every household. 🏡

Realtor.com’s latest analysis shows a wide gap between household incomes and the income needed to afford a typical home, with substantial differences from state to state.

Those numbers highlight a real challenge. They also make a local, personal conversation worth having. Statewide medians don’t capture your neighborhood, your savings, your monthly obligations, or the financing options you may qualify for.

We're here to help you understand those details. Together with your real estate agent’s insight into local prices and available homes, we can build a clearer picture of what may be within reach.

Let’s start with your numbers—and a plan built around your goals.

10/31/2026

An extra hour? We’ll take it! ⏰ Daylight Saving Time ends tonight, so remember to set any manual clocks back one hour before bed.

Here’s to a little more time to rest, recharge, and enjoy home. 🍂🏡
https://myoc.io/jJbNNHqXYiY

NMLSR ID #144570
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/31/2026

Porch lights on. Pumpkins glowing. Neighbors making memories. 🎃👻

Here’s to the little traditions that make a neighborhood feel like home. Wishing you a safe and happy Halloween, filled with sweet treats and a few friendly frights!

10/30/2026

📊 The Fed hit pause. The housing market didn’t.

With sellers outnumbering buyers, affordability challenges continuing, and seasonal opportunities beginning to emerge, the housing market is giving real estate professionals plenty to talk about.

🏡 This week’s Market Update explores the latest mortgage rate trends, economic developments, and shifting market dynamics that could shape the weeks ahead.

Because national headlines only tell part of the story. Understanding what’s happening locally is where opportunity begins. 📍

🔗 Catch up on this week’s insights:
https://www.phmloans.com/blog-article/market-update-october-30-2026
https://myoc.io/jJbNNHqXYiY/h22dU

10/28/2026

Appraisal reports are getting a major update. 👀🏠

Beginning November 2, the industry moves to UAD 3.6 for new conventional appraisal reports submitted to UCDP. The redesigned report uses more structured, standardized property information, which may mean greater detail around:

📐 Square footage and measurements
🏡 ADUs, additions and converted spaces
🔨 Renovations, updates and property features
📸 Photos, condition and potential discrepancies

A longer report does not automatically mean something is wrong. The new format does not create property issues. It may simply make existing details more visible and consistent.

Sellers and real estate colleagues can help by sharing permits, plans, renovation history, accessory-unit information and any known differences between listing and public-record square footage as early as possible.

More detail. Fewer surprises. 💙

Address

3409 West Chester Pike, Suite 100, Newtown Square
Wilmington, DE
19073

Telephone

+16103083659

Website

https://www.phmloans.com/mortgageconsultant/matthewmatz

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